Experience

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  Kasb bank

  Mar 2008 - May 2011

  Relationship manager

  • Managed corporate lending portfolio of PKR 5.00 Bn including clients from Oil & Gas, Textile, Automotive & Power sector.• Collaborated with Regional Head and Corporate Head in the restructuring of Problematic / NPL portfolio.• Performed fundamental credit analysis and closely monitored, analyzed, and reported changes in borrower’s credit worthiness.• Part of the team involved in Merger Transaction of KASB Bank & Atlas Bank in year 2008.• Analyzed ROI’s through cash flow projections, recommending potential investment opportunities.• Rehabilitation of incurable assets for PKR 500.00Mn in KASB Bank Ltd-Corporate Banking Unit.• Managed up to PKR 50.00Mn; Corporate investment for KASB bank’s TFC issue. Show less

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  Nib bank

  May 2011 - Jun 2013

  Relationship manager

  • Managed credit portfolio of around PKR 4.50Bn handling their renewals/enhancements and liaised with risk office for approval. Generated deposits of PKR 200.00Mn through active follow up with clients.• Built relationship with existing and prospective clients by offering customized business solutions, helped them expand by raising debt through different funded and non-funded facilities, identified new areas of growth through different cross sell products i.e. Payroll solution, cash management, corporate credit card, Agri Financing, etc.• Identified, assessed, and mitigated highly leveraged relationships, thus bringing down the NPL exposure by PKR 1Bn.• Actively pursued customers with delayed markup payments and ensured majority recovery on earliest basis.• Collaborated with team of 6, responsible for making strategic reports about Annual profitability of the commercial group.• Part of the team working for implementation and execution of Loan Originating System (software for Credit Proposals). Show less

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  Bank alfalah limited

  Jul 2013 - Jul 2021

  Senior relationship manager

  • Collaborated within a team of 6 to manage a portfolio of 20 corporate clients with a combined exposure exceeding PKR 20 billion.• Developed relationships with prominent corporates including Engro Group, Artistic Milliners, PARCO, Atlas Group, Naveena Group, Al-Noor Group, Kings Group, Al Abbas, Packages Group, etc., providing assistance in identifying new investment opportunities.• Prepared comprehensive memorandums for credit committees, evaluating lending prospects and initiating underwriting processes.• Helped Engro Polymer increase PVC production from 195,000 to 295,000 metric tons, securing capex L/C lines from BAFL and MCB, with IFC funding for PKR 11-12 billion capex.• Served as a liaison between the Corporate Banking and Investment Banking teams at BAFL, orchestrating debt financing structuring for the SECMC project valued at USD 250 million.• Successfully resolved NPL accounts of Quetta Textile and A&Z Agro Industries, making adjustments totaling around PKR 2 billion.• Proactively identified opportunities to generate ancillary revenue through fee income.• Identified cross-sell opportunities and took charge of marketing BAFL's comprehensive product suite, encompassing leveraged loans, high yield bonds, treasury and trade products, cash management services, and various solutions such as supply chain financing.• Led external rating initiatives for clients, achieving A or AA ratings for approximately 50% of the corporate portfolio.• Spearheaded marketing efforts for new clients and managed a team consisting of two Relationship Managers (RMs) and one Relationship Associate (RA). Show less

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  Js bank

  Jul 2021 - now

  Unit head - corporate banking south

  • Led a unit in Corporate Banking South, overseeing 60 corporate relationships with a total exposure of PKR 60 billion.• Cultivated relationships with MNCs and large local corporates, including Unilever Group, P&G Pakistan, Tapal Tea, Westbury Group, Vital Tea, Ghandhara Group, Ismail Group, Agha Steel Group, OBS Healthcare Group, The Searle Group, Midas Group, Union Group, Amreli Steels, Gul Ahmed Textile, Pioneer Cement, HUBCO, Muller & Phipps Pakistan, Karachi Shipyard, Frontier Foundry Steel, Mehran Spice, Hassan Ali Rice, Exide Pakistan, Awan Trading, and more, assisting them in identifying new investment opportunities.• Managed a diversified portfolio across various industries, including Steel, Textile, Auto, FMCG, Power, Oil, Cement, Rice, Logistics/Supply chain, and Pharmaceutical.• Actively managed portfolios of Public Sector entities, including Port Qasim Authority, Karachi Shipyard & Eng. Works, Pakistan Petroleum Ltd, SUPARCO, PIDC, and EOBI.• Fostered strong client relationships to drive business growth and optimize profitability.• Designed and recommended comprehensive financial packages, encompassing debt raising, hedging structures, cash management, payroll, supply chain, and foreign exchange deals.• Demonstrated expertise in leading transactions, from mandate to final closing, involving reviewing detailed credit packages, financial modeling, liaising with Risk Officers, legal counsels, and facility agents.• Coordinated with the Investment Banking Team to facilitate TFC issuance worth PKR 2.50 billion, with Corporate South participation up to PKR 500 million.• Successfully managed SBLC syndicated transaction worth USD 150 million between HUBCO and China Power Hub Generation Co.• Generated deposits of up to PKR 1,000 million through proactive follow-up with corporate clientele.• Assisted the bank's management in defining corporate banking strategy, setting goals, and establishing the unit's annual targets with regular monthly reviews. Show less